| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENE-FACTS, INC | 4601 WILSHIRE BOULEVARD, SUITE 200 LOS ANGELES, CA 90010 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $82K | — | $82K | 4.57% |
| MEGAN INSURANCE SERVICES3 | 30053 QUAIL RUN DRIVE AGOURA HILLS, CA 91301 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | — | $16K | 0.88% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS | 4601 WILSHIRE BOULEVARD, SUITE 200 LOS ANGELES, CA 90010 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.03% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACTS | 4601 WILSHIRE BOULEVARD, SUITE 200 LOS ANGELES, CA 90010 | VISION SERVICE PLAN | $1K | — | $1K | 5.11% |
| MEGAN INSURANCE SERVICES3 | 30053 QUAIL RUN DRIVE AGOURA HILLS, CA 91301 | VISION SERVICE PLAN | $58 | — | $58 | 0.27% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL BENEFACT | 4601 WILSHIRE BOULEVARD, 3RD FLOOR LOS ANGELES, CA 90010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $972 | — | $972 | 4.62% |
| MEGAN INSURANCE SERVICES3 | 30053 QUAIL RUN DRIVE AGOURA HILLS, CA 91301 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $79 | — | $79 | 0.38% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 159 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 159 | $1.8M |
| Vision | VISION SERVICE PLAN | 150 | $22K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $21K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 173 | $23K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 159 | $1.8M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.